Terms of Use

Affordable Business Management Solutions, Inc. (“ABMS”), doing business as Madivio and operating the brand Agent Nucleus (“Agent Nucleus,” “we,” “us,” or “our”), powers and operates this website and related digital properties (the “Site”).

Agent Nucleus provides licensed insurance agents, advisors, and business professionals with marketing support, tools, training, and access to insurance products and services offered through third-party carriers.

By accessing or using the Site, you agree to comply with these Terms of Use. If you do not agree, do not use the Site.

1. Acceptance of Terms

By using the Site, you accept these Terms of Use and any updates or modifications. Continued use constitutes agreement to the revised terms.

2. Use of the Site

You may use the Site for personal, professional, or informational purposes related to insurance, financial services, training, and advisor support.

You may not:

➤ Use the Site for unlawful, harmful, or disruptive purposes
➤ Interfere with Site functionality or other users
➤ Attempt unauthorized access to any part of the Site or its systems
➤ Transmit viruses, malware, or harmful code

3. Intellectual Property

All content on the Site—including text, graphics, logos, images, interfaces, audio, video, and software—is the property of Agent Nucleus (powered by Madivio) or its licensors, protected by U.S. and international copyright, trademark, and intellectual property laws.

You may view and download content for personal, non-commercial use only. Any other use—including reproduction, distribution, modification, or public display—requires prior written permission.

4. User-Generated Content

If you submit comments, feedback, testimonials, or other materials (“User Content”), you grant Agent Nucleus a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and distribute such content in connection with the Site.

You are solely responsible for your User Content and must ensure it does not violate laws or infringe on third-party rights.

Agent Nucleus may remove or moderate User Content at its discretion.

5. Disclaimers

The Site provides tools, resources, guides, and insights for informational purposes only. Nothing on the Site constitutes legal, financial, tax, licensing, or professional advice.

We strive for accuracy but do not guarantee completeness, timeliness, or reliability. Your use of the Site and reliance on any content is at your own risk.

The Site may include advertisements or sponsored placements; their presence does not imply endorsement.

6. Limitation of Liability

To the fullest extent permitted by law, Agent Nucleus (powered by Madivio) and its affiliates, officers, employees, and licensors are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

➤ Use of the Site
➤ Inability to access the Site
➤ Reliance on any Site content

This includes lost profits, lost data, or business interruption.

7. Indemnification

You agree to defend, indemnify, and hold harmless Agent Nucleus, its affiliates, officers, and employees from any claims, damages, liabilities, costs, or expenses arising from:

➤ Your use of the Site
➤ Violation of these Terms
➤ Submission of User Content

8. Third-Party Links and Content

The Site may include links, embeds, or integrations from third-party websites or services.

We do not control third-party content and are not responsible for:

➤ Their materials
➤ Their privacy practices
➤ Any consequences of using their sites

You are encouraged to review third-party policies before interacting with external services.

9. Privacy and Compliance

Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, and protect personal information—including CCPA/CPRA rights for California residents.

By using the Site, you consent to the practices described in the Privacy Policy.

10. Modifications to the Terms

Agent Nucleus may update these Terms at any time. Updated Terms will be posted on this page with a revised “Last Updated” date.

Continued use of the Site constitutes acceptance of the updated Terms.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Massachusetts, without regard to conflict-of-law rules.

Any disputes shall be resolved exclusively in the state or federal courts located in Massachusetts.

12. Severability

If any provision of these Terms is found invalid or unenforceable, it will be limited or removed to the minimum extent necessary. Remaining provisions remain in full effect.

13. Entire Agreement

These Terms, along with the Privacy Policy and any additional posted rules or notices, constitute the entire agreement between you and Agent Nucleus regarding use of the Site.

14. Contact Information
Agent Nucleus
55 West St., Suite 201
Walpole, MA 02081

For questions or concerns, please use the contact form available on our website.